Loan Officer Customer Care

SUHEIL RAMOS

**** ********* *** * · 904-***-****

ad0r17@r.postjobfree.com

Financial banking industry professional with over 12 years of account management, analytics and customer care experience. Detailed oriented, excellent interpersonal, time management and communication skills. Comprehensive knowledge of conventional and government loan programs. EXPERIENCE

JUL 2022 – PRESENT

AGENT SETTLEMENTS SPECIALIST

LANDSTAR, REMOTE (40 HOUR WORK WEEK)

Responsible for processing settlement adjustments and responding to all customers regarding settlement issues. Respond to, research, and process requests for corrections and freight bill discrepancies. Research and correct freight bill "contact DP's" for line haul rates. Process the Special Advanced report, BCO rate corrections (3rd Party Payables) and different types of Insurance. Set up premiums to deduct from BCO settlements and enter adjustments. Reconcile different types of Insurance bills against deductions made, identify discrepancies, and make corrections.

JAN 2022 – MAY 2022

SMALL BUSINESS ADMINISTRATION LOAN OFFICER ASSISTANT KONIAG GOVERNMENT SERVICES, REMOTE (40 HOUR WORK WEEK) Analyzed applicant businesses to determine the feasibility of granting the loan request. Ensured all documents were complete and accurate according to policies, procedures and regulations. Able to meet deadlines. Reviewed Modifications on EIDL Disaster Loans. Team player. AUG 2020 – JAN 2022

SMALL BUSINESS ADMINISTRATION LOAN OFFICER ASSISTANT BRILLIENT CORP, REMOTE (40-50 HOUR WORK WEEK)

Reviewed credit and verified document validity on documentation submitted to be able to proceed to the next tier or decide the next step on EIDL COVID Disaster loan applications. Abided by guidelines to continue to stay compliant by laws and regulations ever changing structures. Analyzed and assessed the financial capacity of loan applicant. Able to work in a timely manner and able to interact with clients, attorneys or authorized third parties. Worked as part of a team in a remote setting.

OCT 2018 – MAY 2020

LOAN OFFICER PARTNER / MARKETING DIRECTOR

BAYWAY MORTGAGE GROUP, JACKSONVILLE, FL (56 HOUR WORK WEEK) Provided administrative support to the high sales producing CEO of the lending company. Completed and created applications, taking inbound calls on inquiries and following up on buyers to keep sales at an all-time high. Enter loan information into various databases depending on 2

customer needs and product type. Status updates to all parties associated. Performed pre- underwriting analysis to income pre-approve applicants. Stacked files for complete submission to underwriting after contract submission. Worked closely with the title company on closing documentation, instructed borrowers for wire instructions and attended real estate closings. Partnered up with real estate agents to generate ways to get more clients. Solicited business from lenders, banks, real estate brokers and agents via networking or through presentations or on lunch and learns. Attended open houses and catered to the client’s needs depending on property and seller’s wants. Met with clients, agents and partners. Held weekly meetings to review pipeline and projections. Created marketing materials such as flyers or analysis per requests or per system alerts. Assisted with their sales and worked on follow up of their service plus sales and client retention.

JAN 2018 – SEPT 2018

LOAN OFFICER ASSISTANT

PACIFIC UNION FINANCIAL, JACKSONVILLE, FL (45 HOUR WORK WEEK) Provide support to loan officers by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submission. Created application and rental leases Ensure compliance with company policies, underwriting guidelines and lending program requirements. Processed challenging loan applications such as first-time homebuyers, self-employed applicants and borrowers with problematic credit histories and or multiple employments. Worked as a remote notary for post- closing issues.

AUG 2015 – PRESENT

REAL ESTATE PROFESSIONAL / PROPERTY MANAGER ASSISTANT BAXLEY & B.DALTON REALTY, JACKSONVILLE, FL (SELF EMPLOYED) Provide specific data, studies, and comparisons of subject property to clients. Interview prospective clients and accompany clients to properties. Offer buyer orientations and present seminars for first time homebuyers. Discuss conditions of sale, draw up contracts and leases. Negotiate offers. Coordinate inspection appointments and meet up with vendors for possible property sales. Property management duties. Monitors contract and leases expirations. Schedule maintenance calls and repairs.

JUL 2012 – AUG 2015

COMMERCIAL CARDS CUSTOMER SERVICE / MORTGAGE LOAN PROCESSOR CITIBANK, JACKSONVILLE, FL (48 HOUR WORK WEEK)

Provide excellent customer service to cardholders, merchants, program managers, approving officials and third parties after authentication. Performed account maintenance. Communicated account status, procedures and responded to inquiries. Escalated issues when necessary. / Provide support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages. Performed multiple different Loan Specialist duties. Reviewed and verified borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submission. Ensured compliance with company policies, underwriting guidelines and lending-program requirements. Reviewed loan files to ensure Federal and State regulations and laws compliance. Reviewed all files for accuracy and completion prior to underwriting hand-off. Coordinated with title companies to ensure successful loan closings.

3

DEC 2010 – JUL 2012

BILINGUAL SPOC RESOLUTION REP / JR UNDERWRITER

DTA SOLUTIONS, LLC, JACKSONVILLE, FL (50 HOUR WORK WEEK) Provided excellent service to individuals often exceeding monthly goals. Assessed clients’ financial situations to develop strategic financial planning solutions within established guidelines of Single Point of Contact. Gathered and verified all required customer information by taking financials and requesting the proper documentation pertaining to their situation (loan modification, settlements, short sale, deed in lieu, etc.). Ensured loan submittals met internal and external eligibility requirements. Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine credit risk and repayment capacity. Drafted written requests to borrowers and other financial institutions. Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements. Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management by performing the necessary underwriting analysis and servicing existing loans. Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

EDUCATION, LICENSES AND CERTIFICATIONS

DEC 2003

DIPLOMA

Institute of Banking and Commerce

Banking Operations & Consumer Credit, Graduated Magna Cum Laude, GPA 4.0 AUG 2015

FLORIDA REAL ESTATE LICENSE

Department of Business and Professional Regulation Sales License No. 3331590

OCT 2022

NOTARY PUBLIC

State of Florida

Commission No. HH 327432

MAY 2023

ASSOCIATE IN ARTS DEGREE

Florida State College at Jacksonville, Current student pursuing to complete Associate Degree SKILLS

Document review and credit risk financial analysis

Maintaining accounts receivable files and records

Generating invoices and account statements

The ability to communicate articulately and efficiently

Efficient in Microsoft Office, including Word, Excel, Outlook, and PowerPoint

Bilingual (English and Spanish)

Loan Specialist / Loan Servicing

A keen eye for detail

Able to manage and prioritize expectations

Transferable skills

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